Proposed Homeowners’ Insurance Premium Discounts (SB 1476)

Original title: Homeowners’ Insurance Premium Discounts

March 13, 2026

homeowners insurance insurance premiums disaster mitigation consumer protection Florida law

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The Frame

What this does

If enacted, this legislation would mandate specific annual insurance savings for Florida homeowners who avoid non-storm claims or invest in structural mitigation, while requiring insurers to report these savings to the state.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Residential property insurers

They are required to provide specific premium discounts, maintain reporting standards, and adhere to new rules regarding policy cancellations.

Florida homeowners

They are eligible for mandatory premium reductions based on claim history and property mitigation improvements.

What changed

Last recorded activity March 13, 2026.

What's next

Introduced.

Summary

This bill would require residential property insurers to offer premium discounts to homeowners who maintain a claim-free record or complete property upgrades to reduce storm damage. It also prohibits insurers from using s as a reason to deny these discounts or cancel policies.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Does a hurricane claim count against my 'claim-free' status?

No. The bill explicitly states that a may not be used to deny, reduce, or disqualify a premium reduction.

What kind of home improvements qualify for a discount?

The bill defines these as structural or nonstructural features meant to reduce windstorm or hurricane risk, such as roof reinforcement, opening protection, flood barriers, and tie-downs.

When would these changes take effect?

The bill specifies an effective date of July 1, 2026.

Why It Matters

News Coverage

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Connected Entities

organizationNational Weather Service Map →

organizationOffice of Insurance Regulation Map →

organizationFlorida Legislature Map →

Sources

Open source document

openstates.org

Analysis Score

0–100

Significance75
How much this matters to a regular citizen
Controversy40
Intensity of disagreement among stakeholders
Entertainment10
Compellingness for a non-policy-wonk reader
Buzz20
Current news / social attention level

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